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Fixed Rate Loans

With a fixed interest rate loan, your monthly principal and interest payment is always the same amount. We offer competitive interest rates on loans with a variety of loan terms available. We offer fixed rate loans for the purchase, refinance or construction of one-to-four family housing units for primary residences, second homes, or investor financing.

Adjustable Rate Mortgage (ARM)

An ARM loan combines the features of a fixed-rate loan with an initial low rate for 1, 3, 5, or 7 years. After the initial rate period, rates adjust annually. Periodic rate caps determine the maximum allowable increase or decrease when the rate changes, and a lifetime cap determines the maximum allowable rate increase over the life of the loan. ARM loans are available for purchase, refinance or construction of 1-4 family housing units with programs available for primary residences, second homes or investor financing.

Land / Lot

Land / Lot Loans are available for financing a future home site and for properties up to 20 acres with a fixed rate and no prepayment penalty. Land / Lot Loans have a 20 year term with a 5 year maturity.

Unique Properties

Smart Start loans are available for your unique residential property such as: living quarters over a shop or garage, cabin and log home. We offer a standard mortgage with no prepayment for your occupied or vacation home.

All In One Construction

Construction loans are available for financing your future home. We offer a construction loan program that automatically rolls into a permanent, fully amortized loan without additional fees or paperwork.

Jumbo

Easy Renovation Options

Begin paying fixed principal and interest payments immediately while having access to the funds to upgrade your home. Pay for small construction projects, minimum of $5,000 and a maximum of $50,000. Appraisal based upon completed project. Choose a fixed or adjustable interest rate, maximum loan term of 30 years.